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Your credit card can make -- break your next travel experience so how do you choose the best when when you go overseas.
Joining me now -- debt -- our consumer education president for credit dot com.
Gerri love this show -- great -- again.
Let's talk about what people should be looking forward a credit card does it really matters.
That number one thing you wanna check before you go overseas -- your credit card is will they charge me a foreign transaction -- this is a junk he and it can cost you an extra one.
To 3% on every purchase so I'll look for a card with the zero transaction you're gonna tell -- -- was in Canada over the weekend I don't even think about that being overseas or abroad.
And I ran into that whole thing with the EMB Smart ship our credit cards don't have that big -- say.
When you find a card that has one that's what you want when you're traveling overseas.
Yeah we're really lagging behind the rest of the world and technology that's our carts and most of our parents have battled magnetic strip and that isn't working a lot of -- -- -- countries so what you wanna look for the -- they had that chip.
Ideally chip and hand which means you will enter a pin number it's more secure and it's the most widely used in Europe.
You also like travel assistance services can -- get that.
A lot of cards at will offer you certain travel assistance services so for example you need to be -- -- backed out of another country or you.
Lose your luggage or you need to change your travel pants plants -- -- to pay for these services.
But at least you know you have someone experienced guiding you through the process now -- walk through some of the -- you're recommending tonight the -- credit card from chase we'll talk about that one.
Yet this is a great card because it while it can't -- transaction foreign transaction he also it has the EM BI -- of Smart card.
And it also gives you travel rewards so when you sign up you're going to get two free nights at a higher property.
A look at travel assistance reward after the first year without there's a 75 dollar annual fees you have to -- Vatican rewards your earning not loving that BankAmerica card travel -- that's another when you recommend.
Yet and don't -- -- again no foreign transaction fees and you won't have to deal we will have the Smart cards you have that technology on this card as well and they -- you right now other offering 101000 bonus points when you sign up.
That's about -- about hundred dollars and free travel around the sale of that Penn said platinum rewards visa signature card.
Tell -- about that yeah.
Ten fed always makes our list of best credit cards and America credit dot -- -- just a really good credit card now it's that.
Pentagon federal credit union but you don't have to be in the military join -- -- association.
For a nominal fee you can -- -- enjoying.
And what I like about this car is it eight it is a true Smart -- has the chip and pin technology.
So you are not gonna have any problem using this card when you travel overseas.
Ari you have advice for people who don't -- -- get a new credit card and let me tell yet there are lots of us who don't want another credit card in our wallets what is it.
Well I think the first thing is call your racial or find out if they charge of foreign transaction -- might have won that doesn't charge went.
And also asked them if they're offering Smart card some issuers will give you a Smart card upon request that you may not have to sign up for a new credit card.
But I will tell you my parents when -- your fiftieth anniversary trip to South Africa.
I made them giving you credit card -- -- credit cards at the 3% -- they went with the discover card no transaction he had no problem so sometimes it does make sense to shopper so I love that idea.
Ask for the Smart card.
If he can't because then you don't have in new card in nagging -- just keep your existing one.
Jerry thanks for coming on the show -- -- Weiler appreciate your help.
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